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SMARTBUDGET
Bringing AI to
your bank account.
Predicts, avoids, optimizes, guides, outperforms, achieves and more.
All at once, on your behalf, every day.
Timely pushes
AI-based notifications
making you grow financially
no matter what occurs.
Spend guilt-free.
Reach calculates what’s safe to spend daily—so you avoid overspending and stay financially on track.
See overdraft before it hits.
Predictive AI spots shortfalls early, giving you time to adjust and avoid negative balances.
Save bigger at the optimal pace.
Reach auto-adjusts your savings pace daily—maximizing growth without risking essentials or cash flow.
Look 12 months ahead — clearly, anytime.
Reach forecasts 12-month balances, revealing risks and opportunities before they impact your plans.
Build a 6-month safety net — fast, effortlessly.
Reach builds your 6-month emergency fund automatically—adjusting daily without affecting essential spending.
Widely pairable
with 12,000+ banks,
worldwide.
Instant sign-up
Connect in 30 seconds. Reach starts tracking, analyzing, and optimizing your money instantly.
Fully compliant.
Reach ensures secure, consent-based data access via licensed APIs, fully aligned with global privacy regulations.
Built on trust.
Reach never holds money or data—no storing, selling, or sharing. Your information stays yours. Always.
Fits you perfectly
at any stage of your life.
Stage
Struggle
Fix
Student
Card declined again while buying groceries before next loan arrives ?
Reach prevents overdrafts, builds small savings, shows exactly what’s safe to spend.
Young profesionnal
Rent, bills, and gym hit same week—balance drops without warning ?
Reach aligns spending with pay cycles, builds buffers, avoids month-end panic.
Freelancer
Client paid late—no plan for bills due tomorrow ?
Reach predicts cash gaps, adjusts spending pace, builds tax/downtime cushions.
Family
Unexpected repair wipes out savings—no backup for the month ?
Reach tracks shared expenses, builds emergency fund tailored to family cash flow.
Living paycheck-to-paycheck
Balance hits single digits days before next income arrives ?
Reach sets safe daily spending, builds invisible micro-savings without sacrifice.
Recovering from financial struggles
Constant fear of overdraft—even after cutting everything possible ?
Reach rebuilds control with smart limits, progress tracking, early overdraft alerts.
Mid-career professional
Too busy for budgeting—expenses rising, goals drifting out of view ?
Reach automates structure, balances costs, goals, and savings—without added effort.
Mobile profesionnal
Switched countries—budgeting tools broke, accounts disconnected, visibility lost ?
Reach syncs 12,000+ banks globally, keeps budgets accurate across borders.
With lifestyle changes
Just had a child—expenses shifted overnight, money feels unstable ?
Reach adapts instantly to income and spending changes without manual setup.
Personal investor
DCA stopped after surprise payment—missed buying opportunity ?
Reach forecasts liquidity to protect consistent and optimized investing without disrupting daily finances.
Productivity-driven user
Great habits everywhere—except money. Feels reactive, disorganized, inefficient ?
Reach runs money like a habit loop—automated, measurable, daily.
Tech-savvy
Tired of clunky tools—too manual, too dumb, too slow ?
Reach uses predictive AI and automation to manage money precisely, autonomously.
Achiever with specific goals
Set a goal, then derailed by inconsistent savings. No recovery ?
Reach tracks progress, adjusts saving pace, keeps goals moving regardless of fluctuations.
Retiree
Fixed income feels fragile—fear of running short mid-month ?
Reach maps recurring costs, protects liquidity, brings daily clarity without complexity.
Quietly works for you.
Anytime. Anywhere.
In the background.
Reach runs in the background—accurate, autonomous, and always on. No input, no dashboards, no downtime.
The optimal way.
Reach uses predictive AI to manage money precisely—optmizing what no one can match manually.
Small moves. Big impacts.
Stick. Outperform. Achieve.
The tighter.
Stick to SmartBudget daily to build control, momentum, and measurable progress—without guesswork or setbacks.
The safer.
SmartBudget brings daily calm, confidence, and control—so your money feels safe, steady, and handled.
The bigger.
SmartBudget turns daily discipline into faster savings, earlier investing, and accelerated goal achievement.
We leverage AI
to set future generations
free from money mess.
Making change compound.
Quietly. Daily. Systemically.
Financial stress is the silent crisis holding a generation back—fueling burnout, missed dreams, and wasted potential. Most are handed broken tools: static budgets, clunky dashboards, advice they’ll never follow. Reach is what changes everything. It uses predictive AI, behavioral science, and real-time automation to turn confusion into clarity—without effort, without guesswork. It doesn’t lecture. It leads. Quietly. Daily. Precisely. Reach meets people where they are, then moves them forward—smartly, simply, and at scale. When individuals gain control, focus, and freedom, they don’t just change their lives—they ignite a ripple effect that fuels innovation, lifts communities, reshapes economies, and unlocks what humanity is truly capable of.
Backed by PhDs from :
FAQ
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